¶ … Patient Protection Affordable Care Act (PPACA) legislation is patently an improvement to the health care delivery system. The mere fact that thousands upon thousands of people are receiving healthcare and medical service through the Affordable Care Act is testimony to the scope of the improvement in healthcare services. But there is much more to the equation than absolute numbers of people now receiving medical and health care services through a healthcare insurance plan, many for the first time ("ObamaCare," 2015). The following sections discuss the healthcare insurance reforms that are integral to the Affordable Care Act.
Rescissions
The Affordable Care Act prohibits health insurance plans from rescinding coverage unless fraud or misrepresentation has occurred. Indeed, the reforms include prohibitions on rescissions and an extension that requires the provision of coverage of existing health insurance plans for non-dependent children up to age 26. This reform strengthens an area that insurance companies...
Many adult children have gone without health insurance when entering the
workplace after high school graduation, or have relied on student health coverage, which is not sufficiently comprehensive, if they can afford the premiums when they enter higher education. Health insurance costs are often prohibitive for young people just starting out, and they are unlikely to have savings or a safety net beyond their
parents if they extensive or costly treatments or care ("NCSL," 2011). Moreover, since the ACA is designed to provide coverage primarily for people of limited income, expecting parents of adult children to function as safety nets is neither rational nor feasible ("NCSL," 2011).
Preventative Care & Immunizations for Children
All insurance plans written under the ACA are required to provide preventative services and immunizations as recommended by the CDC, and child preventative services recommended by the Health Resources and Services Administration -- all without any cost sharing.
Uniform Explanation of Coverage Documents and Standardized Definitions
The ACA has vastly improved the accessibility of health insurance documents by ensuring that standards represent an accurate summary of benefits and explanations of coverage that are written in language…
